As a complement to the health care benefits described inside, the RF offers wellness programs that reward employees for taking better care of their health.

Earn up to $100 each quarter through the Virgin Pulse wellness program for performing healthy behaviors, such as exercising, good nutrition, completing wellness challenges and taking health quizzes.

Get a $400 gift card for seeking a second opinion that can help you and your doctor make more informed decisions about certain surgical procedures, such as weight-loss surgery, hip or knee replacement, and back surgery.

Enjoy a $300 refund per year on gym memberships at public health fitness centers. Discount is available to enrollees in an RF PPO plan.

At the RF, It Pays to Make Smart Health Choices

Learn More about all our benefits at

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The Research Foundation for The State University of New York Post Office Box 9 Albany, NY 12201-0009

Corporate office for benefits administration: (518) 434-7080

Benefits Outline2018

As the largest, most comprehensive university-connected research foundation in the country, we are excited about our future. From information sciences and nanotechnology to medicine and renewable energy, SUNY discovery is transforming lives and powering New York’s economy. Look inside for a brief introduction to the attractive benefits we offer our employees.

Your HealthHealth CareOur Health Care plan features two PPO plans through Empire Blue Cross as well as a selection of HMOs that are available based on your location. Employees working at least 50 percent of full time and employees determined to be full time under a method permitted by the Affordable Care Act are eligible to enroll. Eligible employees traveling internationally for business also receive health care coverage. The RF shares the cost of premiums with employees.

Dental CareOur plan offers the freedom to visit any dentist. Covered care includes preventive services (exams and cleanings), basic services (fillings), major services (dentures and bridges) and orthodontics. Employees working at least 50 percent of full time on a regular appointment are eligible to enroll. The RF shares the cost of premiums with employees.

Vision CareThe Vision Care plans cover exams, lenses and frames or contact lenses every 12 or 24 months, depending on the plan you select. Employees working at least 50 percent of full time on a regular appointment are eligible to enroll. The RF pays the entire cost of the Basic Vision plan, while you and the RF share in the cost of the Vision Plan Plus.

Financial SecurityDisability and Income ProtectionThe RF provides disability and income protection if you are unable to work due to illness or injury. Workers’ Compensation and New York State Short-Term Disability cover all employees. For our Voluntary Short-Term Disability and Long-Term Disability plans, eligibility, coverage and contribution levels vary depending on your elections and full-time status.

Life and Accidental Death & Dismemberment Insurance (AD&D)The RF provides $50,000 in Basic Life and AD&D at no cost to you. After satisfying a waiting period, basic coverage is automatic. You also may purchase additional coverage for yourself in increments of your salary up to $300,000. Optional Life coverage for your spouse/domestic partner and eligible dependent children is also available. Employees working at least 50 percent of full time on a regular appointment are eligible.

RetirementRetirement BenefitsThe RF makes contributions to the Basic Retirement plan for employees in a regular appointment who meet a one-year waiting period. The RF’s contribution is equal to 7 percent of your earnings. All regular and summer non-student employees may choose to contribute to the RF’s Optional Retirement plan immediately upon being hired. A Deferred Compensation plan and Retiree Health Care plan are available to those who meet eligibility requirements.

Phased RetirementYou may be able to “phase into” retirement by changing from full time to part time while maintaining full-time benefits coverage. You also may begin collecting retirement benefits. Eligible employees must be at least age 55 and have the equivalent of at least 10 years of full-time service with the RF.

Overview of 2018 Benefits

Additional BenefitsFlexible Spending Accounts (FSAs)The Health Care and Dependent Care FSAs allow you to use pretax earnings to pay qualified expenses. If you enroll in a Dependent Care FSA, the RF will contribute an annual lump-sum subsidy of $300 to $800 based on your income. Salaried, non-student employees working at least 50 percent of full time are eligible. Waiting period and other conditions apply.

College Savings ProgramYou may contribute $5,000 per year ($10,000 per year for married couples) to pay for future college expenses for your beneficiaries, with tax benefits. Any employee who uses direct deposit can participate.

Commuter Transit and Parking BenefitsRF Ride lets you use pretax payroll deductions to pay for parking and public transportation related to your work commute. Any employee who uses direct deposit can participate.

Paid Family LeaveThe State of New York provides up to eight weeks of paid leave to bond with a new child, care for a seriously ill loved one or to help when a family member is called to active military service. The benefit is 50 percent of your average weekly wage, up to the State maximum for 2018.

Unemployment BenefitsYou receive 50 percent of your average weekly wage (up to $405 per week) if you involuntarily terminate employment. This coverage is automatic.

This Benefits Outline is intended to provide general information about Research Foundation (RF) benefits and is not intended to serve as an official plan document or summary plan description. If there is a conflict between this outline and any official plan document, the plan documents will prevail.